citibank popmoney. easier banking. standard at citibank. to deposit checks from anywhere. [ wind howling ] easier than actually going to the bank. mobile check deposit. easier banking. standard at citibank. >>> welcome back. if you're just joining us, if the dow were to close right here, we'd be at all-time record territory. we've got a record cles for the dow, if we can stick in this area. 15549 and change. nasdaq, forget about it. we're not going to see 5,000 for a while. s&p 5,000, though, is the getting ever close. about 2 1/2 points away from a record closing high on those. now, i know if maria were here, she'd say, but it's all on very low volume, bill. but as i always point out, you can make money whether it's high volume or low volume. you can still make and lose money. >> we'll take the record, right? absolutely, any day. well, with mortgage rates at or near historic lows for last couple of years, refinancing has been basically a no-brainer for many people, right? >> well, not so fast. steve liesman is here with cnbc's all-american